We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 2421 results
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Decision Reference DRN-5760401
1 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5760401 The complaint Mr D complains that NewDay Ltd trading as Marbles failed to properly pursue his chargeback and rejected his claim under section 75 Consumer Credit Act 1974 (“s.75”). What happened In February 2023 Mr D purchased a mobile phone with a stylus for £275. He has tol... (3 pages)View decision -
Decision Reference DRN-5759838
22 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5759838 The complaint Ms K complains that NewDay Ltd trading as Aquacard lent to her irresponsibly. What happened In February 2018, Ms K applied for – and was given – a credit card with NewDay. An Initial credit limit of £450 was agreed. Since then, her limit was amended as follows:... (5 pages)View decision -
Decision Reference DRN-5700687
1 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5700687 The complaint Mr S has complained about the way NewDay Ltd trading as Pulse Credit Card handled a claim for money back in relation to a transaction he’d made using his credit card. What happened The circumstances of the complaint are well known to the parties, so I’m not go... (3 pages)View decision -
Decision Reference DRN8031684
18 Apr 2016 NewDay Cards Ltd Not upheldBanking and creditMr B complains, through his representative, that NewDay Cards Ltd won’t remove a default on his credit record.backgroundIn May 2004 Mr B opened an account with a third party organisation which then became NewDay Cards Ltd. It sent statements to Mr B every month an... (2 pages)View decision -
Decision Reference DRN-4683033
26 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4683033 The complaint Ms R complains that NewDay Ltd was irresponsible in its lending to her. What happened Ms R was provided with two credit cards by NewDay. A Marbles credit card in March 2021 with an initial credit limit of £900 and a Fluid credit card in May 2022 with an initial cr... (3 pages)View decision -
Decision Reference DRN-3268752
26 Apr 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3268752 The complaint Miss H complains that NewDay Ltd incorrectly recorded missed payments on her credit file after she made the payments due under her repayment plan. What happened Miss H is in a repayment plan after falling into financial difficulties. She says she contacted the com... (2 pages)View decision -
Decision Reference DRN7600959
6 Feb 2017 NewDay Ltd Not upheldBanking and creditMrs M complains that NewDay Ltd (trading as Laura Ashley Storecard) registered a default on her credit file without first sending her a notice of its intent to do so and a default notice. She complains that it should have put her account on hold after she told i... (3 pages)View decision -
Decision Reference DRN3473915
9 Oct 2018 NewDay Ltd Not upheldBanking and creditMiss G complains that NewDay Ltd (“NewDay”) defaulted her account and that they sold the account to a debt collection business.backgroundMiss G’s account with NewDay was closed by them in June 2017. But she says they were wrong to do so as she’d told them she was in ... (2 pages)View decision -
Decision Reference DRN-3234743
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3234743 The complaint Mr D complains that NewDay Ltd was irresponsible when it opened a credit card account for him in June 2015, and then increased the credit limit from £600 to £1,500 in September 2015. Mr D said his financial situation was already extremely poor before this. What h... (3 pages)View decision -
Decision Reference DRN-3605003
22 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3605003 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L applied for a credit card in May 2016. It was approved with a limit of £300 and he was given four subsequent credit limit increases by NewDay. The first increase in September 2016... (3 pages)View decision
